Car insurance for than 90 days on a UK Reg Car

My UK car insurance is up mid July most quotes im getting will only cover me for 90 days per single trip, Has anybody got cover for 180 days or longer than 90 days, if you have what company are you using,???

The man in the pub told me that LV (Liverpool Victoria) does 180 days for an extra £20

The man in the pub told me that LV (Liverpool Victoria) does 180 days for an extra £20

Well it must be right then if the man in the pub said so, did he tell you twice .CHEERS

Unless the law has been changed,  which I doubt,  under an EU Directive,  all policies in the EU must provide minimum cover (third party) for the whole period of the policy for the whole of the EU. Thus a policy issued in UK on say 1^st Jan will provide 3^rd party cover until 31^st Dec  for everywhere in the EU.   

If you require more than 3^rd Party then you must pay more and abide by whatever rules apply to that policy.

Not what my insurance company told me when I brought a car over from UK. 90 days at the minimum required cover in the country you were visiting so Spain was 3rd party even though my car had fully comp in UK.

If I wanted it to be fully comp they would charge extra but wouldn't go over 90 days. I think Saga does it for longer than that.

My Spanish insurance remains fully comp in any EU country and the breakdown cover is still valid as well.

Just been on LV web site, they will cover for 180 days in a single trip  ( not got a quote yet ) looks like the man in pub was right again.

Just gote a quote not cheap £302 180 days cover ............. M&S Quote £170   90 days cover

LV do say that it's only £20 extra for 180 days EU cover, maybe you could ask for a quote for 90 days to compare with M&S and then challenge them about it if they are a silly amount more

This is an extract from:   http://ec.europa.eu/finance/insurance/consumer/motor/index_en.htm

The directive:

• obliges all motor vehicles in the EU to be covered by compulsory third party insurance (all passengers are covered, throughout the EU)

Yes, but as EU freedom of movement only applies for a period of 3 months it could be where the time limit kicks in.

The EU directive doesn't give a time limit, just that insurance issued in one country is valid in another. When we contacted Axa, they would only do it for 90 days, at the reduced 3rd party, as they said residency requirements then kicked in. To get fully comp for those 90 days was almost the same as our annual premium.

OK I thought I might avoid this explanation.

Some years ago, a friend wanted to bring her car to Spain from UK.  She was told she must pay extra for the green car and for 3^rd party only cover.   After she had been here for a while she contacted the insurance company who told her that she had to buy a new policy to ensure she had 3^rd party cover, which she did.

 Subsequently I discover the EU Directive and I tried to get the police to prosecuted te company for fraud, in that they had given my friend wrong info and as a result she had paid for another policy.  The police would not prosecute but the insurance company paid compensation for the extra unnecessary cover she had bought and for her inconvenience, when I brought the Directive to their notice.

As I said, if the law has not change, which from the Directive I quoted lt has not, then the cover lasts for the whole period of the policy throughput the EU.

In Spain, as far as I remember,  throughout the 27 years I have insured vehicles here, a green card has always been issued as standard, with no extra charge,  when I have renewed my policy, which covered me for whole period  of the policy, for all the EU  and I believe a number of other countries too.

Just in passing one can legally leave say a UK reg vehicle in Spain permanently, regardless of ones right to live here, freedom of movement etc,  (so that’s a red herring) and  if parked on a road, it would need to be covered by insurance.

So does my insurance with Linea Directa. But I couldn't keep a UK registered car here for that long or a Spanish registered car in UK. 

More down to the insurance companies on UK ones reducing the cover and charging extra than anything else, I think. Bit like the AA charging £130 for 2 weeks breakdown cover in Europe where my insurance covers it at no extra charge.